Souvik Moitra

Background

About Souvik Moitra

Souvik Moitra is a finance and credit underwriting professional with over 2+ years of experience in credit appraisal, financial risk assessment, and SME/Retail portfolio management. Currently serving as Deputy Credit Manager at HDFC Bank, he specializes in underwriting retail and SME loan products. He is proficient in preparing detailed Credit Appraisal Memos (CAMs), conducting financial statement analysis (P&L, balance sheet, cash flow), interpreting key financial ratios, and performing credit risk scoring. He ensures complete adherence to RBI guidelines and internal credit policies while maintaining a strong focus on compliance, documentation, and audit readiness. In his current role, he successfully reduced the turnaround time for credit proposals by approximately 15 percent by enhancing process efficiency, improving documentation accuracy, and collaborating effectively with cross-functional teams. He works closely with RMs, Legal, Risk, and Operations teams to structure credit proposals and ensure smooth disbursement. Academically, he holds an MBA in Finance from Jain University and a Bachelor of Commerce in Computers from Osmania University. He has also earned certifications in Credit Analysis (Eduzi Academy), Microsoft Excel (Microsoft 365) and Pursuing Financial Analysis (Imarticus Learning). These credentials have equipped him with a strong foundation in Financial Statement Analysis, Reporting, Financial Modeling, Forecasting, Budgeting and Regulatory reporting.